/* howETFsTrade.com v2 — static site styles */
:root{--navy:#0B1F3A;--gold:#C9A227;--accent:#1F4E8C;--accent-d:#173d6f;--ink:#1d2433;--muted:#5a6474;--line:#e3e7ee;--card:#F1F5FB;--bg:#F3F5F9;--serif:"Source Serif 4",Georgia,"Times New Roman",serif;--sans:Inter,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:400 16px/1.65 var(--sans)}
img{max-width:100%;height:auto;display:block}
a{color:var(--accent)}
a:hover{color:var(--accent-d)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:10}
.skip:focus{left:8px}
.page{max-width:840px;margin:0 auto;background:#fff;box-shadow:0 0 0 1px var(--line),0 10px 40px rgba(11,31,58,.06);min-height:100vh}
.hdr{background:var(--navy);color:#fff;text-align:center;padding:28px 24px 30px}
.brand{display:inline-block;color:#fff;text-decoration:none;font:700 12px/1 var(--sans);letter-spacing:.16em;text-transform:uppercase}
.brand:hover{color:#fff;text-decoration:underline}
.nav{margin:16px 0 0;padding:0;list-style:none;display:flex;flex-wrap:wrap;justify-content:center;gap:6px 18px;font-size:14px}
.nav a{color:#d7deea;text-decoration:none}
.nav a:hover,.nav a[aria-current=page]{color:#fff;text-decoration:underline;text-underline-offset:3px}
.hero{padding-top:22px}
.hero h1,.hdr .h1{font:700 clamp(26px,4.2vw,36px)/1.22 var(--serif);margin:18px auto 12px;max-width:640px;color:#fff}
.hdr .tag{color:#c9d2e0;font-size:16px;max-width:620px;margin:0 auto 14px}
.byline{color:var(--gold);font:700 12px/1.4 var(--sans);letter-spacing:.14em;text-transform:uppercase;margin:0}
main{padding:8px 56px 24px}
@media (max-width:600px){main{padding:4px 20px 20px}.hdr{padding:22px 18px 24px}}
section{padding:34px 0;border-bottom:1px solid var(--line)}
section:last-child{border-bottom:0}
.eyebrow{color:var(--accent);font:700 12px/1.4 var(--sans);letter-spacing:.14em;text-transform:uppercase;margin:0 0 12px}
h2,h3{font-family:var(--serif);color:var(--navy);line-height:1.3}
h2{font-size:24px;margin:0 0 12px}
h3{font-size:19px;margin:22px 0 8px}
article h1{font:700 clamp(28px,4.4vw,38px)/1.2 var(--serif);color:var(--navy);margin:10px 0 18px}
article h2{font-size:23px;margin:34px 0 10px;padding-top:26px;border-top:1px solid var(--line)}
article ul,article ol{padding-left:1.3em}
article li{margin:4px 0}
.lede{font-size:17px;color:var(--muted)}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px;margin:16px 0}
.card{background:var(--card);border:1px solid #dbe3ef;border-radius:10px;padding:18px 18px 20px;display:flex;flex-direction:column}
.card h3{margin:0 0 8px;font-size:18px}
.card p{margin:0 0 14px;font-size:15px;color:#3b4556;flex:1}
.btn{display:inline-block;background:var(--accent);color:#fff!important;text-decoration:none;font:600 15px/1.2 var(--sans);padding:11px 16px;border-radius:6px;border:0;cursor:pointer;max-width:100%;white-space:normal;text-align:center}
.btn:hover{background:var(--accent-d)}
.btn.ghost{background:#fff;color:var(--accent)!important;box-shadow:inset 0 0 0 1.5px var(--accent)}
.btns{display:flex;flex-wrap:wrap;gap:10px;margin:14px 0}
figure{margin:22px 0}
figure img{border:1px solid var(--line);border-radius:8px;width:100%}
figcaption{font-size:13px;color:var(--muted);margin-top:6px}
.signup{background:var(--card);border:1px solid #dbe3ef;border-radius:10px;padding:22px;margin:8px 0}
.signup h2{margin-top:0}
.signup p.sub{color:#3b4556;margin:0 0 14px}
.signup form{display:flex;flex-wrap:wrap;gap:10px}
.signup label{position:absolute;left:-9999px}
.signup input[type=email]{flex:1 1 240px;font:inherit;padding:10px 12px;border:1px solid #c4cedc;border-radius:6px;background:#fff;min-width:0}
.signup .note{font-size:13px;color:var(--muted);margin:10px 0 0}
.signup .msg{font-weight:600;color:var(--navy);margin:10px 0 0}
.faq h3{font-size:18px}
.faq p{margin-top:0}
.disclaimer{font-size:13px;color:var(--muted)}
.disclaimer strong{letter-spacing:.12em;text-transform:uppercase;font-size:12px}
.books{display:grid;gap:14px;margin:12px 0}
.book{display:grid;grid-template-columns:72px 1fr;gap:14px;align-items:start;background:var(--card);border:1px solid #dbe3ef;border-radius:10px;padding:12px}
.book img{width:72px;border-radius:3px;box-shadow:0 2px 6px rgba(0,0,0,.18)}
.book a.t{font:700 17px/1.3 var(--serif);color:var(--navy)}
.book p{margin:4px 0 0;font-size:14px;color:#3b4556}
.thumbs{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin:16px 0}
.thumbs a{display:block;text-decoration:none;font-size:14px}
.thumbs img{border:1px solid var(--line);border-radius:6px;margin-bottom:4px}
footer.ftr{padding:26px 56px 40px;border-top:1px solid var(--line);font-size:14px;color:var(--muted)}
@media (max-width:600px){footer.ftr{padding:22px 20px 32px}}
footer.ftr ul{list-style:none;padding:0;margin:0 0 14px;display:flex;flex-wrap:wrap;gap:6px 18px}
/* calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:22px;align-items:start}
@media (max-width:720px){.calc{grid-template-columns:1fr}}
fieldset{border:1px solid var(--line);border-radius:10px;padding:12px 16px 16px;margin:0 0 14px}
legend{font:700 13px/1 var(--sans);color:var(--accent);letter-spacing:.08em;text-transform:uppercase;padding:0 6px}
.f{display:block;margin:10px 0 0}
.f span{display:block;font-size:14px;font-weight:600;color:var(--navy);margin-bottom:3px}
.f small{display:block;color:var(--muted);font-size:12.5px;margin-top:2px}
.f input{width:100%;font:inherit;padding:8px 10px;border:1px solid #c4cedc;border-radius:6px}
.radios{display:flex;flex-wrap:wrap;gap:4px 16px;font-size:14px;margin-top:4px}
.radios label{display:flex;gap:6px;align-items:center}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.out{background:var(--navy);color:#fff;border-radius:10px;padding:18px 18px 8px;position:sticky;top:12px}
.out h2{color:#fff;font-size:20px;margin:0 0 8px}
.out table{width:100%;border-collapse:collapse;font-size:14.5px}
.out th{text-align:left;font-weight:400;color:#c9d2e0;padding:7px 0;border-bottom:1px solid rgba(255,255,255,.12)}
.out td{text-align:right;font-variant-numeric:tabular-nums;padding:7px 0 7px 8px;border-bottom:1px solid rgba(255,255,255,.12);white-space:nowrap}
.out tr.total th,.out tr.total td{color:var(--gold);font-weight:700}
.out .err{color:#ffd27a;font-size:14px}
.out .fine{font-size:12.5px;color:#c9d2e0}
.formula{background:#f7f9fc;border:1px solid var(--line);border-radius:8px;padding:12px 14px;font:14px/1.7 ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;overflow-x:auto}
table.ex{border-collapse:collapse;width:100%;font-size:14px;margin:10px 0}
table.ex th,table.ex td{border:1px solid var(--line);padding:6px 8px;text-align:left;vertical-align:top}
table.ex th{background:#f7f9fc}
/* glossary */
.az{display:flex;flex-wrap:wrap;gap:6px;margin:10px 0 4px;padding:0;list-style:none}
.az a{display:inline-block;min-width:30px;text-align:center;padding:4px 6px;border:1px solid #dbe3ef;border-radius:5px;text-decoration:none;font-size:14px}
dl.gl dt{font:700 19px/1.3 var(--serif);color:var(--navy);margin:26px 0 4px;scroll-margin-top:12px}
dl.gl dt .abbr{font:400 14px var(--sans);color:var(--muted)}
dl.gl dd{margin:0 0 0;padding-bottom:16px;border-bottom:1px solid var(--line)}
dl.gl dd p{margin:0 0 6px}
dl.gl .more{font-size:14px;color:var(--muted)}
.notice{background:#fff8e6;border:1px solid #f0dca0;border-radius:8px;padding:10px 14px;font-size:14px}
/* v3: term + book pages */
.crumbs{list-style:none;padding:0;margin:14px 0 6px;display:flex;flex-wrap:wrap;gap:4px;font-size:13.5px;color:var(--muted)}
.crumbs li+li::before{content:"›";margin:0 6px 0 2px;color:#9aa4b4}
.eyebrow-h{color:var(--gold);font:700 12px/1.4 var(--sans);letter-spacing:.16em;text-transform:uppercase;margin:18px 0 0}
.defn p{font-size:17px}
ul.rel{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:10px 0 14px}
ul.rel a{display:inline-block;padding:5px 10px;border:1px solid #dbe3ef;border-radius:16px;text-decoration:none;font-size:14px;background:var(--card)}
.book p.bk{margin-top:6px;font-weight:600}
.bookx{grid-template-columns:120px 1fr;padding:16px}
.bookx img{width:120px}
.bookx h2{font-size:20px;margin:0 0 4px}
.bookhero{display:grid;grid-template-columns:200px 1fr;gap:24px;align-items:start;margin:18px 0 0}
.bookhero img{width:200px;border-radius:4px;box-shadow:0 4px 14px rgba(0,0,0,.2)}
@media (max-width:600px){.bookhero{grid-template-columns:1fr}.bookhero img{width:160px}.bookx{grid-template-columns:80px 1fr}.bookx img{width:80px}}
.amz ul{padding-left:1.3em}
.amz li{margin:3px 0}
.fine{font-size:13px;color:var(--muted)}
.out .share{margin:12px 0 4px}
.out .share .btn{width:100%}
.out #calc-copied{margin:0 0 8px;color:#c9d2e0}
.out #calc-copied input{width:100%;font:13px var(--sans);padding:6px;border-radius:4px;border:0;margin-top:6px}
dl.gl dt a{color:inherit;text-decoration:none}
dl.gl dt a:hover{text-decoration:underline}